Zip code 46120: Cloverdale, Indiana

Q: What city is zip code 46120?

46120 is assigned to Cloverdale, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 46120 in?

46120 is mostly in Putnam County, but it extends into 2 other counties.

Q: What is the population of 46120?

About 5,947 people live in 46120, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 46120?

The median household income in 46120 is $59,970.

Q: What zip codes are near 46120?

The closest zip codes to 46120 are 46170, 47456, 46125, 47868, 46171.

Residential delivery areaPutnam CountyEastern Time

Population

5,947

Median household income

$60K

U.S. $81K

Median home value

$171K

U.S. $333K

Median rent

$825/mo

U.S. $1,413

Median age

48.7

U.S. 38.9

Land area

92 sq mi

65 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 46120

46120 is a small-town zip code in Cloverdale, Indiana (Putnam County), covering 92 sq mi of land. About 5,947 people live here, or 65 per square mile. The median resident is 48.7 years old, compared with 38.9 nationally.

The median household earns $59,970 a year, 26% below the national median of $80,734. 11.3% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $171,400, or 2.9 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 76% of occupied homes are lived in by their owners, and renters pay a median of $825 a month.

15% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 29.5 minutes each way, and 7% of workers work from home. The most common jobs among working residents are in construction and repair; transportation and moving goods; and office and administrative support.

How 46120 compares

Sorted from highest to lowest national percentile

Rent-burdened renters70.1%
97th
WeaknessU.S. 51.1% · IN 48.1%46th of 716 in IN
Median age48.7
94th
U.S. 38.9 · IN 38.179th of 745 in IN
Veterans11.1%
93rd
U.S. 6.2% · IN 6.3%76th of 745 in IN
Residents 65 and older20.4%
76th
U.S. 17.2% · IN 16.8%227th of 745 in IN
Average commute29.5 min
72nd
U.S. 26.4 min · IN 24.1 min189th of 726 in IN
Homeownership rate75.7%
68th
U.S. 65.2% · IN 70.6%500th of 742 in IN
Poverty rate11.3%
52nd
U.S. 12.5% · IN 12.3%307th of 742 in IN
Income inequality (Gini)0.434
49th
U.S. 0.483 · IN 0.452183rd of 740 in IN
Housing vacancy5.4%
37th
U.S. 10.1% · IN 8.8%513th of 742 in IN
Per capita income$35,106
34th
U.S. $44,673 · IN $38,351360th of 744 in IN
Uninsured rate4.8%
31st
U.S. 8.4% · IN 7.4%460th of 745 in IN
Self-employed workers7.5%
26th
U.S. 10% · IN 8%412th of 745 in IN
Median earnings per worker$40,651
23rd
U.S. $49,666 · IN $46,609569th of 740 in IN
Government workers10.6%
23rd
U.S. 14.5% · IN 11.7%415th of 745 in IN
Residents under 1818.5%
21st
U.S. 22% · IN 23.3%590th of 745 in IN
Median household income$59,970
20th
WeaknessU.S. $80,734 · IN $71,957542nd of 719 in IN
Tech workers1.3%
18th
U.S. 3.8% · IN 2.5%367th of 745 in IN
Median home value$171,400
15th
U.S. $332,700 · IN $218,200388th of 719 in IN
Work from home6.6%
14th
U.S. 15.1% · IN 10.7%407th of 745 in IN
Unemployment rate2.7%
12th
StrengthU.S. 5.2% · IN 4.3%467th of 745 in IN
Broadband access85.1%
12th
WeaknessU.S. 91% · IN 89.9%532nd of 742 in IN
Population5,947
10th
U.S. 334,922,499 · IN 6,851,073277th of 745 in IN
Population density65/sq mi
9th
U.S. 95/sq mi · IN 191/sq mi446th of 745 in IN
Bachelor's degree or higher14.5%
9th
WeaknessU.S. 35.7% · IN 29.5%540th of 744 in IN
Median gross rent$825
8th
U.S. $1,413 · IN $1,062468th of 640 in IN
Healthcare workers6%
8th
U.S. 9.7% · IN 9.8%570th of 745 in IN
Foreign-born residents1.1%
6th
U.S. 14.1% · IN 6.3%417th of 745 in IN
Diversity index9.1
3rd
U.S. 61.4 · IN 41.4536th of 745 in IN

Measure	46120	Putnam	IN	U.S.	National percentile	Rank in IN
Rent-burdened rentersWeakness	70.1%	50.2%	48.1%	51.1%	97th	46th of 716
Median age	48.7	38.4	38.1	38.9	94th	79th of 745
Veterans	11.1%	8.4%	6.3%	6.2%	93rd	76th of 745
Residents 65 and older	20.4%	17.3%	16.8%	17.2%	76th	227th of 745
Average commute	29.5 min	27.5 min	24.1 min	26.4 min	72nd	189th of 726
Homeownership rate	75.7%	75.4%	70.6%	65.2%	68th	500th of 742
Poverty rate	11.3%	8.7%	12.3%	12.5%	52nd	307th of 742
Income inequality (Gini)	0.434	0.407	0.452	0.483	49th	183rd of 740
Housing vacancy	5.4%	7.4%	8.8%	10.1%	37th	513th of 742
Per capita income	$35,106	$34,784	$38,351	$44,673	34th	360th of 744
Uninsured rate	4.8%	4.6%	7.4%	8.4%	31st	460th of 745
Self-employed workers	7.5%	5.9%	8%	10%	26th	412th of 745
Median earnings per worker	$40,651	$45,981	$46,609	$49,666	23rd	569th of 740
Government workers	10.6%	11.2%	11.7%	14.5%	23rd	415th of 745
Residents under 18	18.5%	19.3%	23.3%	22%	21st	590th of 745
Median household incomeWeakness	$59,970	$78,378	$71,957	$80,734	20th	542nd of 719
Tech workers	1.3%	1%	2.5%	3.8%	18th	367th of 745
Median home value	$171,400	$218,900	$218,200	$332,700	15th	388th of 719
Work from home	6.6%	10.1%	10.7%	15.1%	14th	407th of 745
Unemployment rateStrength	2.7%	3.1%	4.3%	5.2%	12th	467th of 745
Broadband accessWeakness	85.1%	88.7%	89.9%	91%	12th	532nd of 742
Population	5,947	37,280	6,851,073	334,922,499	10th	277th of 745
Population density	65/sq mi	78/sq mi	191/sq mi	95/sq mi	9th	446th of 745
Bachelor's degree or higherWeakness	14.5%	20.2%	29.5%	35.7%	9th	540th of 744
Median gross rent	$825	$884	$1,062	$1,413	8th	468th of 640
Healthcare workers	6%	9.6%	9.8%	9.7%	8th	570th of 745
Foreign-born residents	1.1%	2.4%	6.3%	14.1%	6th	417th of 745
Diversity index	9.1	17.7	41.4	61.4	3rd	536th of 745

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

14%

5–17

18–24

14%

25–34

11%

35–44

11%

45–54

22%

55–64

11%

65–74

75+

Median age

48.7

Under 18

18.5%

65 and over

20.4%

Race and ethnicity

White95%
Black2%
Hispanic0.1%
Asian0.4%
Native American0%
Pacific Islander0%
Other0.4%
Multiracial1%

Diversity index

9.1

U.S. 61.4

Foreign-born

1.1%

U.S. 14.1%

Born in state

86.4%

Language spoken at home (households)

English only

95%

Spanish

Other Indo-European

Asian / Pacific

0.8%

Other

0.3%

Households

Households: 2,797
Average household size: 2.1
Family households: 58.4%
Married couples: 50.4%
Living alone: 37.9%
Veterans (of adults): 11.1%
Male / female: 47% / 53%

Income and poverty

Household income distribution

<$25k

26%

$25–50k

18%

$50–75k

16%

$75–100k

15%

$100–150k

14%

$150–200k

$200k+

Median household income

46120

$59,970

Putnam Co.

$78,378

Indiana

$71,957

United States

$80,734

Per capita income

$35,106

U.S. $44,673

Poverty rate

11.3%

U.S. 12.5%

Households earning $150K+

10.9%

U.S. 23%

Income inequality (Gini)

0.434

U.S. 0.483

Housing

Median home value

46120

$171,400

Putnam Co.

$218,900

Indiana

$218,200

United States

$332,700

Median gross rent

46120

$825

Putnam Co.

$884

Indiana

$1,062

United States

$1,413

Types of housing

Single-family

75%

2–4 units

5–19 units

20+ units

Mobile home

15%

Boat, RV, van

0.4%

Housing units: 2,956
Owner-occupied: 75.7%
Vacant: 5.4%
Median year built: 1984
Median rooms: 5.5
Renters paying 30%+ of income: 70.1%
Renters paying 50%+ of income: 10.7%
Home value to income: 2.9× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

75%

Carpooled

11%

Transit

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

15%

10–19

18%

20–29

25%

30–44

17%

45–59

12%

60+

14%

Average commute

29.5 min

U.S. 26.4 min

Unemployment

2.7%

U.S. 5.2%

In labor force

56%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Construction and repair

22%

Transportation and moving

13%

Office and admin

13%

Production

10%

Management

Healthcare

Education

Sales

Cleaning and personal care

Engineering and science

Police and fire

Legal and social services

Food service

Business and finance

Computer and math

Arts, media and sports

Farming, fishing and forestry

Industries

Manufacturing

18%

Retail

16%

Construction

14%

Health care and social assistance

10%

Transportation, warehousing and utilities

Education

Other services

Public administration

Restaurants and hotels

Professional and technical services

Finance, insurance and real estate

Agriculture and mining

Admin, support and management

Wholesale

Information

0.2%

Arts and recreation

0.2%

Median earnings per worker

$40,651

U.S. $49,666

Self-employed

7.5%

U.S. 10%

Government workers

10.6%

U.S. 14.5%

Nonprofit workers

5.3%

U.S. 8.8%

Median earnings by type of work

Type of work	46120	U.S.
Management, business, science and arts	$80,681	$74,888
Service	$24,201	$26,804
Sales and office	$35,761	$40,476
Construction and maintenance	$28,581	$49,199
Production and transportation	$37,164	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

50%

Some college

18%

Associate's

11%

Bachelor's

11%

Graduate

High school graduate or higher: 92.2%
Bachelor's degree or higher: 14.5%
Graduate or professional degree: 3.5%
Households with broadband: 85.1%
Cable, fiber or DSL: 67.5%
No internet access: 13%
Without health insurance: 4.8%
Limited-English households: 1%

Geography

City (USPS): Cloverdale
State: Indiana
County: Putnam County
Center point: 39.5114° N, 86.7891° W
Land area: 92 sq mi
Water area: 0.9 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

46120 spans 3 counties

Putnam County82% of land
Owen County13% of land
Morgan County6% of land

Cities and towns within this zip

Cloverdale4% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 46120

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
46170	Putnamville, IN	5.7 mi	0	—	—
47456	Quincy, IN	6.1 mi	1,455	$69,896	$179,400
46125	Eminence, IN	7.9 mi	6	—	—
47868	Poland, IN	9.2 mi	2,666	$51,409	$159,500
46171	Reelsville, IN	9.2 mi	2,018	$83,607	$287,100
46128	Fillmore, IN	11 mi	2,490	$86,466	$209,300
46180	Stilesville, IN	11 mi	1,085	$90,208	$228,600
46135	Greencastle, IN	11 mi	19,632	$73,677	$225,600
46166	Paragon, IN	12 mi	2,813	$86,042	$157,500
46121	Coatesville, IN	13 mi	5,271	$89,409	$275,700
47433	Gosport, IN	13 mi	4,176	$59,520	$197,900
46157	Monrovia, IN	14 mi	4,558	$86,250	$234,100

Zip codes like 46120 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 46120

What city is zip code 46120?

46120 is assigned to Cloverdale, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 46120 in?

46120 is mostly in Putnam County, but it extends into 2 other counties.

What is the population of 46120?

About 5,947 people live in 46120, according to the Census Bureau's American Community Survey.

What time zone is 46120 in?

46120 is in Eastern Time.

What is the median household income in 46120?

The median household income in 46120 is $59,970.

What zip codes are near 46120?

The closest zip codes to 46120 are 46170, 47456, 46125, 47868, 46171.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 46120, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.